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Motorcycle insurance options
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Comprehensive
The highest level of protection and the most benefits.
Third Party Fire & Theft
Covers fire and theft of your motorbike plus accidental damage to someone else's property.*
Third Party property damage
Covers accidental damage to someone else's property.*
Legend:
Yes included
No excluded
Own motorcycle damage
Loss or damage to your motorcycle caused by
- Accidental loss or damage
- Malicious damage
- Fire, theft and attempted theft
- Storm and flood
- Damage by an uninsured vehicle
Loss or damage to your motorcycle caused by
- Accidental loss or damage
- Fire, theft and attempted theft
- Damage by an uninsured vehicle (up to $5000)
Loss or damage to your motorcycle caused by
- Damage by an uninsured vehicle (up to $5000)
*Accidental damage to someone else's property
You'll be covered for accidental damage to someone else's property up to $25 million per incident.
You'll be covered for accidental damage to someone else's property up to $25 million per incident.
You'll be covered for accidental damage to someone else's property up to $25 million per incident.
Open rider cover
With open rider cover, other licensed riders can use your bike, as long as they have your permission and are following the conditions of their licence and your policy.
With open rider cover, other licensed riders can use your bike, as long as they have your permission and are following the conditions of their licence and your policy.
With open rider cover, other licensed riders can use your bike, as long as they have your permission and are following the conditions of their licence and your policy.
Lifetime guarantee on repairs
We guarantee the quality of the workmanship and materials used for our repairs, for the life of your motorcycle, so you can stay safe.
We guarantee the quality of the workmanship and materials used for our repairs, for the life of your motorcycle, so you can stay safe.
We guarantee the quality of the workmanship and materials used for our repairs, for the life of your motorcycle, so you can stay safe.
Temporary cover for new motorcycles
When you replace your motorcycle, we'll insure your new motorcycle provided a few conditions are met.
When you replace your motorcycle, we'll insure your new motorcycle provided a few conditions are met.
When you replace your motorcycle, we'll insure your new motorcycle provided a few conditions are met.
Agreed value
Select the level of cover that's right for you.
Select the level of cover that's right for you.
Travel or accommodation costs
When the loss or damage means you can't use your motorcycle, and you are more than 100km from your home, we'll pay up to $250 per night towards the cost of emergency accommodation for you and your passengers for up to four nights.
Loss or damaged helmets, protective clothing and personal belongings cover
We'll pay up to $1500 per item and up to $3000 in total per incident when you or your passenger's helmet, protective clothing or personal belongings are lost, damaged or stolen. We do not cover money, cheques or financial transaction cards.
New motorcycle replacement
3-year new motorcycle replacement cover
We will replace your motorcycle with a new one and pay the initial on-road and registration costs, if conditions are met.
Lost or stolen keys
We'll cover your lost or stolen keys up to the value of $2000.
Accidental death benefit
When, within 12 months of its occurrence, an incident involving the use of your motorcycle directly results in the death of the person riding it, we'll pay $15000 to the deceased's estate.
We don't cover
- Death as a result of suicide or attempted suicide.
- Death if the deceased person was riding your motorcycle without your permission.
Courier and food delivery cover
This is for you if you use your motorcycle to generate income by delivering food, or delivering commercial packages, parcel and documents as a courier. You can pay extra to add this cover to your standard cover.
This is for you if you use your motorcycle to generate income by delivering food, or delivering commercial packages, parcel and documents as a courier. You can pay extra to add this cover to your standard cover.
This is for you if you use your motorcycle to generate income by delivering food, or delivering commercial packages, parcel and documents as a courier. You can pay extra to add this cover to your standard cover.
Great reasons to choose RAC
Members save up to 10%
Existing Bronze members save 4%, Silver members save 5% and Gold members save 10% on motorcycle insurance.^Local claims team
Our local claims team are WA based, like you are. We understand your needs and are always ready to help.Become an RAC member
When you take out a policy with us you also become an RAC member. As a member, you get access to great benefits, like discounts on retail partners and RAC products & services.RAC members save more
As a member you get access to great discounts & offers
What's included in this cover?
Before you decide which cover is right for you, please read our policy documents.
Insurance member support
Support for family violence, financial hardship, accessibility and specialist services.
^ Any applicable insurance discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. Roadside Assistance and Rewards members receive a discount on insurance once they’ve been a member for at least five consecutive years. Members who only have insurance don’t get membership discounts on our insurance cover. Only individuals can become members of the RAC. Membership does not apply to associations, entities, or superannuation funds. For more information see the policy PED Guide and PDS.
This product is issued by RAC Insurance Pty Limited. Our products are developed and distributed for appropriate target markets. Please see the target market determination for a product for further information. Cover and benefits are subject to conditions, limits and exclusions as set out in the PDS and PED Guide. Before you make a decision, please read our policy documents to see if the policy is right for you.
